What is a butterfly? At best,
He's but a caterpillar drest;
The gaudy fop's his picture just,
as poor Richard says.
"But what madness must it be to run in debt for these superfluities! We are offered, by the terms of this sale, six months' credit, and that perhaps has induced some of us to attend it, because we cannot spare the ready money, and hope now to be fine without it. But, ah! think what you do when you run in debt. You give to another power over your liberty. If you cannot pay at the time, you will be ashamed to see your creditor: you will be in fear when you speak to him; you will make poor, pitiful, sneaking excuses, and by degrees come to lose your veracity, and sink into base, downright lying; for, as poor Richard says, 'The second vice is lying; the first is running in debt.' And again, to the same purpose, 'Lying rides upon debt's back;' whereas a free-born Englishman ought not to be ashamed nor afraid to speak to any man living.—But poverty often deprives a man of all spirit and virtue: 'It is hard for an empty bag to stand upright,' as poor Richard truly says. What would you think of that prince, or that government, who would issue an edict, forbidding you to dress like a gentleman or gentlewoman, on pain of imprisonment or servitude? Would you not say, that you were free, have a right to dress as you please, and that such an edict would be a breach of your privileges, and such a government tyrannical? And yet you are about to put yourself under that tyranny when you run in debt for such dress! Your creditor has authority, at his pleasure, to deprive you of your liberty, by confining you in jail for life, or by selling you for a servant, if you should not be able to pay him. When you have got your bargain, you may, perhaps, think little of payment; but 'Creditors (poor Richard tells us) have better memories than debtors;' and in another place he says, 'Creditors are a superstitious sect, great observers of set days and times.' The day comes round before you are aware, and the demand is made before you are prepared to satisfy it; or, if you bear your debt in mind, the term which at first seemed so long, will, as it lessens, appear extremely short. Time will seem to have added wings to his heels as well as at his shoulders. 'Those have a short Lent (saith poor Richard) who owe money to be paid at Easter.' Then since, as he says, 'The borrower is a slave to the lender, and the debtor to the creditor,' disdain the chain, preserve your freedom, and maintain your independency: be industrious and free; be frugal and free. At present, perhaps, you may think yourselves in thriving circumstances, and that you can bear a little extravagance without injury; but
'For age and want save while you may,
No morning sun lasts a whole day,'
as poor Richard says. Gain may be temporary and uncertain; but ever, while you live, expense is constant and certain: and 'It is easier to build two chimneys, than to keep one in fuel,' as poor Richard says. So 'Rather go to bed supperless than rise in debt.'
'Get what you can, and what you get hold,
'Tis the stone that will turn all your lead into gold,'